 Is there a way I can fight hospital bills? And will not paying my hospital bills affect my credit? |
| I have BlueCross Blueshield as a Health provider and i had a baby recently in a hospital that is in the network of my health provider but the doctor that performed anethsia on me and my newborns ... |
|
 Can't find my Birth certificate? |
I need it to collect some money so how can I get a new one?
And does it cost anything?
And will it take long will it take to get it or is it a case of walking in and walking out with it?
... |
|
 What's the reason for life insurance? Should a single person who is not married buy it? |
| What is the real reason for life insurance? if you are single should you buy it? What is it used for? Does it have a purpose in people's lives?Why do you have to pay for it each month for? Can ... |
|
 Why you would be better off buying a 20 year term life insurance policy at age 25......? |
| Why you would be better off buying a 20 year term life insurance policy at age 25 rather that buying a one-year renewable policy?... |
|
 Why do people who's unisured homes were damaged in the floods think they have the right to the same help as... |
those with insurance?
Isn't the whole point of home insurance to help you in incidents like these?
Additional Details
(I'm talking about the recent floods that hit ... |
|
 A dumptruck kicked up a rock and cracked my windshield. Can they be held responsible to pay for the repair? |
| I have the license number, and day and time of where it happened. it's the second time in 3 months this has happened and I don't think it's fair I should have to keep paying for this.... |
|
 Should I get private term life insurance? |
I'm 39 and have life insurance through my employer. I could probably obtain private life insurance for the same rate.
Is it wise to get non-employer term life insurance now (before ... |
|
 If you think you have cancer but have not been diagnosed, is it possible to get life insurance without an exam |
| Call me stupid, but I would really like to have life insurance before I embark on the cancer journey - just in case things don't go my way. If I obtained one of the no exam, online policies ... |
|
 What do you guys think about accident and cancer insurance? |
At $1104 a year, do you think it's worth to have accident and cancer insurance?
Insurance saying: Don't risk a lot for a little.
Additional Details
My husband and I have ... |
|
 What insurance company has cheap rates for adding 16 yr old? |
I'm asking for my mom...
She got a quote from Nationwide & it was $190 every month. That is who she has now. Then Progressive quoted her $289/month.
Gosh, it is expensive!... |
|
 HOW DO i RECEIVE MY PRIZE WITHOUT INSURANCE? i DON'T HAVE ALL THAT MONEY.? |
| Is there any other way to receive the prize that I won without any payments of shipping.If not then I didn't win. Becasuse I don't have the money to cover the issurance and shipping price.... |
|
 Cashing in a my life insurance policy? |
| I have an insurance policy that has been paid in full that was bought for me by my grandparents when I was a kid. I was wondering what the pros and cons of cashing it out to pay off all of my debt ... |
|
 My chronically ill child(15) has spent her 1 million lifetime health insurance maximum. what do we do now? |
| we make 100k a year.but even this is not enough for her medical expenses. Are there programs we can use if we make too much money but can't afford her medical care without insurance.... |
|
 Which Is Better Term Life or Whole Life? |
| Im under the impression that if you get Term Life, and lets say you die at 12:01 a.m., the day that you need to renew your policy, then your screwed because the term of the policy is already over. Y... |
|
|  |
Me llamo Jacqueline | Is it a smart Idea to get a Life Insurance at the age of 21? |
Additional Details
I don't any dependents other than my dog, lol. I don't live a unhealthy life nor do I put myself in danger. I live an healthy normal life like any 21 year old. The reasom why I was consedering a Life Insurance was just in case. You never know death is not racist. I can affort the payments. I know they mention to me something about if nothing happends you get your money back at the end of the term.
|
 |
 
Insurance Made Easy.biz
|
You have asked a good question, many young adults in your position don't think they need any life insurance.
Life insurance could be used to:
Pay off college loans, credit cards etc.
Pay for your funeral
Provide extra money for your parents who may have lost time at work caring for you in your last weeks/days.
Pay for any final medical expenses
For example if you were to die at this age it would probably be from an accident of some sort. If this were a car accident and spent weeks in the hospital. Even with health insurance you parents could be faced with thousands of dollars in medical bills. Lets say you were driving your parents car and someone else died your parents could be sued.
If you suffer from some terminal illness that last months or even years the financial strain could be enormous
There are many great reasons to buy life insurance and very few reasons not to.
For example a 25 year old could pay as little as $12.34 a month for a $100,000 life policy with level premiums for 30 years. |
|
Julia M
|
Well it's never a bad idea to get life insurance. I'm sure that your rate will be super low. |
|
Sheilah
 |
Thats weird I know a 21y/o Named Jacquelynn D. Hmm
Anyhow, Yes its a good Idea, it costs less the younger you are. Start now and you will have smaller payments than if you got insurance at 50. |
|
src50
 |
Yes, you will likely qualify for very low rates. |
|
AZRAEL
 |
Yes. As you get older the premiums go up. |
|
chocolate addict
 |
I just got whole life insurance today and I am 21. That means the date you purchase it, the rate never goes up. So the rate stays the same now as when you are 90 years old. Whole life insurance earns cash. When it's been there a while, say 10 or 20 years, you can take out the cash value. Depending on how much you put in each month, you could have a lot. And it's not taxed. So if you decide to buy a house at 30, then you can take out the cash, depending on your plan, it could be 10,000 or so. It really depends. But I think it's good. You can also add more money each month that goes straight to your cashvalue. Oh yea, I only have a dog too =] I think I got a 50,000 whole life for $20 a month. When I am out of college I will add more each month. |
|
brandhoff1234
|
if there is no-one depending on you financially, you should have enough coverage to take care of your debt and burial. that's the bare minimum that i would recommend and the the same coverage that i myself have. it seems a bit morbid at first but realize that it is a necessity. If you need anymore help feel free to contact me. |
|
stephenweinstein
|
1. If it is term, then it does not reduce the cost of getting life insurance later in life.
2. You do not get the premiums back.
3. If something does happen to you, what good is it? You'll be dead and the dog cannot use the money. |
|
jellyfish
|
are you married? do you have children?
are people (parents brothers and sisters) relying on you for support? |
|
Bradley S
 |
The idea behind life insurance is to help dependents—usually human—cope with the sudden loss of income if you die prematurely. Since you do not have dependents other than your dog, you might want to hold off. At your age, life insurance premiums do not increase greatly from year to year. For example, according to the most recent survey by Insure.com, at age 30, you can get a 30-year term life insurance policy with a death benefit of $250,000 for $228 a year. You might be able to lock in a slightly lower rate now, but you would also be paying a premium for 5, 10, or 15 years for coverage you don’t really need. |
|
georgewash.geo
|
Sure, if you have a lot of assets to protect and you can afford the insurance. It's also a good investment |
|
Mr. Peabody
|
It's important to realize that you never collect on a life insurance policy - cause you have to die first. So unless someone will suffer financially if you die, it's a waste of money (unless you would like someone to benefit financially from your death.) While it's true that rates are lower the younger you are, for most people, life insurance is most important when they're married and have dependent children.
However, if you get a 20 year term policy (usually the maximum term you can get) at 20 years old, it'll expire when you're 40. But if you only had children when you were 30 (for example), they'll still be dependent on you when you're 40 and getting a second policy at 40 will cost way, way more than the policy you got at 20. So, the best use of money for most people would be to wait until they're about to become parents even though the payments would be a bit more expensive at 30 (for example) than at 20 - so that they'll continue to have the coverage until their children have grown up and can manage on their own if need be.
And you did ask about LIFE insurance which does NOT normally cover expenses associated with accidents, illnesses and long-term disabilities - except insofar as it provides some money for any purpose - but only after you actually die. These are things which are covered by disability insurance - which is a completely different and much more complicated issue.
And last but not least, you should always name your estate as the beneficiary on your policy - not your current boyfriend for example. Make a will and update it as required. Otherwise, if you die and forgot to notify your insurance company of a beneficiary change, the wrong person may end up with the money. |
|
Earl
|
Don't get Whole Life- its a rip off. Get Term Life. You should be able to get a good policy for under $20 per month. Only necessary if you have someone dependent on you. |
|
Bacon C
|
Well we sometimes do decisions that grown up adults wouldn't do and we feel mature through those actions but if you really think about it, only you can have the answer to your question. Ask yourself... do you need it? Are you putting your life to danger. what sort of life are you living? Student? If yes then don't worry, you'll just waste money on it, so no i would say it's not recommended. You're healthy, young. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
15 | 28 minutes(s) ago
| | | |
15 | 54 minutes(s) ago
| | | |
15 | 3 hour(s) ago
| | | |
15 | 7 hour(s) ago
| | | |
14 | 10 hour(s) ago
| | | |
15 | 2 day(s) ago
| | | |
15 | 3 day(s) ago
| | | |
15 | 4 day(s) ago
| | | |
15 | 2 week(s) ago
| | | |
15 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
